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Primerica, Inc.

PRI Financial Insurance Life

Primerica, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 6.56% from fiscal 2024. In the quarter to June 2026, revenue grew 9.04%, EPS grew 19.4%, free cash flow grew 5.06% and total debt fell 9.95%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

275.19 0.20 −0.07%
Market cap
$8.5B
P/E
11.0×
Fwd P/E
10.9×
Dividend yield
1.69%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 4.54
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 2 1 — 1 2 — 1 1 — 3 — —
Insider Ownership 1.88%

Capital & Financial Ratios $m

Market Cap 8,480.00
Revenue 3,431.30
Net Income 796.21
Free Cash Flow 842.16
Net Debt 1,068.82
Current Ratio 0.33
Debt/Equity 0.66
P/E ratio 11.03
Fwd P/E 10.90
P/S ratio 2.50
P/B ratio 3.40
Past 5Y EPS Growth 19.08% (at or above 15%: strong)
This Y EPS Growth 10.24%
Next Y EPS Growth 7.57%
Next Y revenue growth 7.24%
Next 5Y EPS Growth 9.22%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 7.35%
10-year low 10-year high
P/S against its own 10 years 44.39%
10-year low 10-year high
P/B against its own 10 years 62.00%
10-year low 10-year high

Dividends

Payout Ratio 0.19
Annual Dividend Rate 4.64
Annual Dividend Yield 1.69%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 4.80
1.20
1.20
1.20
2025 4.16
1.04
1.04
1.04
1.04
2024 3.30
0.75
0.75
0.90
0.90
2023 2.60
0.65
0.65
0.65
0.65
2022 2.20
0.55
0.55
0.55
0.55
2021 1.88
0.47
0.47
0.47
0.47
2020 1.60
0.40
0.40
0.40
0.40
2019 1.36
0.34
0.34
0.34
0.34
2018 1.00
0.25
0.25
0.25
0.25
2017 0.78
0.19
0.19
0.20
0.20
2016 0.70
0.17
0.17
0.18
0.18
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 594 688 756 600
Receivables 3,285 3,027 2,840 2,451
Inventory — — — —
Other — — — —
3,879 3,715 3,596 3,051
2023 2024 2025 Q'26
Payables 7,271 7,007 7,329 7,309
ST’ Debt 1,980 1,898 1,770 1,669
Other 435 402 356 344
9,686 9,307 9,456 9,322

Compound Annual Growth %

10y 5y 3y
Sales 8.89% 8.22% 7.40%
Cash Flow 13.05% 6.97% 5.95%
Earnings 14.84% 14.33% 16.75%
Book Value 7.88% 5.91% 6.39%

Revenue $m

Mar Jun Sep Dec Year
’26 873 865 — — —
’25 805 793 840 854 3,292
’24 736 791 774 788 3,089
’23 690 688 697 673 2,749
’22 691 669 673 624 2,657
’21 638 655 693 724 2,710
’20 525 526 568 598 2,218
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 157 194 — — —
’25 197 163 203 338 901
’24 211 173 207 271 862
’23 176 136 140 241 693
’22 214 170 167 206 758
’21 119 155 160 222 657
’20 132 185 88 239 643
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 148 167 — — —
’25 189 159 198 330 875
’24 203 169 193 268 833
’23 168 133 136 221 659
’22 207 163 157 205 732
’21 109 153 151 219 632
’20 122 175 84 234 616
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 5.97 6.45 — — —
’25 5.05 5.40 6.35 6.13 22.91
’24 3.93 0.03 4.83 4.96 13.71
’23 3.38 3.97 4.23 4.30 15.94
’22 2.86 2.79 2.12 3.54 9.74
’21 2.46 3.22 2.82 3.49 9.38
’20 1.75 2.51 2.81 2.52 9.57
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 37.09 69.00 90.05 94.12 61.20 128.84 110.22 141.11 184.76 230.98

Analyst estimates 2026–2028

Powerpack
High 73.05 106.40 128.35 138.05 141.15 179.51 159.47 220.00 307.91 298.75
People
People Employees 2,026 2,104 1,899 1,947 1,966 2,621 2,381 3,450 2,874 2,833
Revenue/emp, $m 0.75 0.80 1.00 1.05 1.13 1.03 1.12 0.80 1.07 1.16
Income, $m
Income, $m Revenue 1,519 1,689 1,900 2,053 2,218 2,710 2,657 2,749 3,089 3,292
Gross margin, % 74.63 74.12 74.63 74.72 70.79 74.51 75.00 75.38 78.82 80.21
EBT 338 380 416 477 507 644 719 772 939 975
EBT margin, % 22.22 22.47 21.90 23.25 22.85 23.75 27.04 28.08 30.40 29.61
Net income 219 350 324 366 386 476 467 577 471 751
Depreciation 194 221 250 272 243 349 359 306 572 339
Per share, $
Per share, $ Revenue 32.04 37.04 43.32 48.66 55.35 68.55 69.94 76.45 90.48 100.87
Earnings 4.59 7.63 7.35 8.65 9.60 9.41 9.77 15.97 13.73 22.95
Cash flow 6.21 8.59 10.90 11.51 16.06 16.62 19.94 19.26 25.25 27.62
Capex (0.29) (0.15) (0.31) (0.60) (0.69) (0.62) (0.68) (0.94) (0.86) (0.80)
Free cash flow 5.92 8.44 10.59 10.91 15.37 15.99 19.26 18.32 24.39 26.82
Book value 25.76 31.12 33.33 39.18 45.82 52.68 53.46 57.46 66.17 74.95
Shares, m 47 46 44 42 40 40 38 36 34 33
Valuation, ×
Valuation, × P/E 15.27 13.31 13.28 15.09 13.92 12.74 12.52 13.09 19.70 11.25
P/S 2.18 2.75 2.26 2.68 2.42 2.24 2.03 2.72 3.00 2.56
P/B 2.72 3.28 2.93 3.33 2.92 2.91 2.66 3.62 4.10 3.45
EV/Sales 2.62 3.25 2.82 4.10 3.75 2.87 2.66 3.27 3.43 2.91
EV/FCF 14.18 14.33 11.52 18.28 13.50 12.30 9.65 13.65 12.73 10.94
Cash, $m
Cash, $m Operating cash flow 294 392 478 486 643 657 758 693 862 901
Capex (14) (7) (14) (25) (28) (25) (26) (34) (29) (26)
Free cash flow 281 385 465 460 616 632 732 659 833 875
Balance, $m
Balance, $m Working capital (2,565) (3,035) (3,593) (4,095) (4,360) (5,078) (5,220) (5,807) (5,593) (5,860)
Total debt 875 1,110 1,343 1,558 1,720 1,986 2,037 1,980 1,898 1,770
Net debt 663 830 1,081 1,301 1,173 1,593 1,548 1,386 1,210 1,014
Shareholders’ equity 1,221 1,419 1,462 1,652 1,836 2,083 2,031 2,066 2,259 2,446
Returns, %
Returns, % ROA 1.99 2.93 2.57 2.78 2.69 3.06 3.07 3.89 3.18 5.08
ROIC 11.19 10.55 10.23 10.10 10.53 10.94 12.55 13.97 16.92 17.60
ROE 18.54 26.53 22.37 23.43 22.04 24.27 22.95 28.15 21.76 31.93
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Primerica, Inc. vs peers in Insurance Life (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
UNM Unum Group $14.7B 21.4× 11.8× +0.26% (above 0%: growing) −16.58% (below 0%: shrinking) +48.17% (above 0%: growing) 35.37% 11.36% Compare
GL Globe Life Inc. $12.8B 10.7× 10.3× +8.00% (above 0%: growing) +20.06% (above 0%: growing) +0.88% (above 0%: growing) 39.24% 24.44% Compare
JXN Jackson Financial Inc. $9.0B 175× 13.1× +135.67% (above 0%: growing) +292.31% (above 0%: growing) +57.63% (above 0%: growing) (630.95%) 411.90% Compare
PRI Primerica, Inc. $8.5B 11.0× 10.9× +9.04% (above 0%: growing) +19.41% (above 0%: growing) +5.06% (above 0%: growing) 82.88% 30.52%
LNC Lincoln National Corporation $7.9B 3.4× 7.0× +12.31% (above 0%: growing) +76.55% (above 0%: growing) −155.08% (below 0%: shrinking) 37.98% 37.98% Compare
CNO CNO Financial Group, Inc. $5.0B 17.8× 13.0× +11.61% (above 0%: growing) +45.16% (above 0%: growing) +7.63% (above 0%: growing) 44.06% 16.73% Compare
GNW Genworth Financial, Inc. $3.7B 17.7× 26.2× +5.85% (above 0%: growing) 0.00% +766.67% (above 0%: growing) 30.09% 7.10% Compare
BHF Brighthouse Financial, Inc. $2.8B 3.9× 3.3× +86.22% (above 0%: growing) +1,520.59% (above 0%: growing) −43,000.00% (below 0%: shrinking) 115.29% 75.59% Compare
FG F&G Annuities & Life, Inc. $2.6B 6.4× 5.8× +4.18% (above 0%: growing) n/m −8.11% (below 0%: shrinking) 16.89% (3.73%) Compare
Median of peers $6.4B 14.2× 11.1× +9.81% +45.16% +4.26% 36.68% 20.59%

All 17 Insurance Life stocks →

Primerica, Inc. (PRI) key facts

  • Strength: Primerica, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 6.56% from fiscal 2024.
  • Primerica, Inc. (PRI) is an Insurance Life company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 9, 2026, PRI traded at $275.19, a market capitalization of $8.5 billion.
  • Primerica, Inc. pays an annual dividend of $4.64 per share, a yield of 1.69%, with a payout ratio of 18.6%.
  • Return on equity was 31.9% and debt-to-equity 0.66.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Primerica, Inc. (PRI) Latest News

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stockrow.com/PRI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com